Mortgages, Life Insurance, Critical illness insurance and Income Protection


When it comes to providing for your retirement too many people are doing too little too late. We provide pension advice and we believe that putting away even a small sum early on can make a big difference to the lifestyle you will enjoy when you retire Pension legislation dramatically changed on the 6th April 2006, to see how this may have affected you, our pension advisers will personally appraise your pension situation. Pension legislation is subject to further change.

Why would I need to review my pension?
In the past there were various types of pension contracts governed by different rules and regulation. Over 50 companies offered different variations of these contracts that varied in cost, investment choice and flexibility. Since April 2006 the pension landscape has changed and your old pension contract may be inferior and outdated.

New pension contracts generally offer: More investment choice More choice for how and when you take your pension A more generous tax-free lump sum More competitively charges.

Pensions are intended as a long term investment. If you withdraw from these investments in the early years you may not get back the full amount invested. These investments may not be suitable for all recipients please contact us for full advice. Past performance is no guarantee of future returns and the value of units can fall as well as rise. Levels and bases of and reliefs from taxation are subject to change. Note: *Free from income capital gains taxes on growth within the fund and proceeds to the investor.

Contact Us

Call us today on: 01656 766561 or fill out our contact form for a promt response:

Important Information

The above information does not constitute financial advice from Candleston Financial Services Ltd or any of its representatives. Investment performance can go down as well as up. Past performance is no guarantee to future performance. Your home may be at risk if you do not keep up the repayments for any loans secured against it. All information is based upon our interpretation of current legislation and taxation which can change in the future.The guidance and/or advice contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK.  
This website is intended for investors over 18 years of age who are resident in the UK only. The website and the information contained therein should not be regarded as an offer or solicitation to conduct investment business in any jurisdiction other then the UK. These pages provide generic information about various aspects of financial services advice that we provide as well as possible areas of clients financial planning needs. We hope they are helpful to you but they do not, on their own, add up to proper investment advice and we cannot take responsibility for anything you do in reliance on them without further discussion with us. Please do not make a decision based upon the information contained within these pages alone. They are not detailed or comprehensive enough to enable you to make an informed decision which is tailored to your circumstances and needs. Please contact us for tailored advice.
Candleston Financial Services Ltd is an appointed representative of Intrinsic Independent Ltd and Intrinsic Mortgage Planning Ltd, which are authorised and regulated by the Financial Conduct Authority. Intrinsic Independent Ltd and Intrinsic Mortgage Planning Ltd are entered on the FCA Register ( under reference under reference 217742 & 440718. Candleston Financial Services registered Country of registration is Wales and the reference number at Companies house is 5172411.Intrinsic Independent registered address is, Intrinsic Independent,10 - 11 Gander Lane, Barlborough, Chesterfield, Derbyshire, S43 4PZ FCA Number 217742.. Mint Financial Services Limited is entered on the FCA register under reference 217742.